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What is an online Title Loan?

Often referred to as car title loans or auto title loans, title loans are loans that use the equity in your car for collateral. Because title loans are secured, you are able to borrow greater amounts and lower interest rates than unsecured loans (such as payday loans).

After completing the online application at BridgePayday, our network of title lenders will review your application.

You will then be presented with a title loan offer based on the value of your vehicle. Your lender will arrange to collect your original title, but all loan documents will be electronically signed and delivered.

Does BridgePayday Issue My Title Loan?

No. BridgePayday is not a title lender. We help connect title lenders and borrowers. Borrowers who use our application process, which pre-screens them to ensure they meet our network lenders’ minimum requirements, are then able to apply at once to multiple lenders. BridgePayday does not determine or alter the terms of your loan; the value of your car, loan amount, interest rate, repayment schedule, fees and other terms of your loan are agreed upon exclusively by the lender and borrower.

What do I Need to Qualify?

Every title loan lender is different when it comes to who can and cannot qualify, but if you are at least 18 years old, have a steady income, own your car, and are a US citizen, you shouldn’t have a problem.

What about My Poor Credit?

Title loan lenders are not concerned with your credit score. Your loan will depend on what your vehicle is worth and your ability to repay your loan.

It is as simple as that, if you have equity in your vehicle you will use your car as insurance to release those funds for your own use.

How Much Will I Be Able To Borrow?

The amount of your loan depends on how much your vehicle is worth and the ability to repay.

The car must also have no other loans against it. Also the condition of the vehicle is a factor, a better, looked after car could also get more funds for you.

Will I Have to Give up My Car during the Loan?

No. You will retain possession of your car during the life of the loan. The car is yours, that is the main benefit of this loan. Imagine that you could not go to work or would have to take the bus, this then would inhibit your ability to repay the loan.

By leveraging your asset you can stay in work and pay off your loan over time.

The process is difficult to do completely online as the lender still needs ot see your car.

What Will Happen if I Can’t Repay My Title Loan?

BridgePayday is not a title lender, so we will not enforce payment. Your title lender has the ability to impose penalties and interest or even take possession of your car if you do not repay your loan but in general, they prefer you paying your loan back with interest rather than taking your car.

Why Should I Work With BridgePayday to Get a Title Loan?

Using BridgePayday to get a title loan is a smart decision for individuals who want the process to be as seamless and quick as possible. Remember, since title loans are secured with collateral it means that you, the borrower, can get more money with lower interest rates. BridgePayday can connect you with our network of lenders who are ready to compete for your business.